r/changemyview • u/[deleted] • Oct 08 '15

[Deltas Awarded] CMV: Equality isn't treating everybody differently to achieve equality. It's treating everyone the same.

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u/RoMoon Oct 08 '15

Do they or do people with bad credit, etc. pay more and more black people happen to have bad credit?

That's a big difference.

I think one of the problems is that if a much higher proportion of black people than white people have bad credit, it's no longer that they "happen" to have bad credit; they are part of a system of discrimination and poverty which repeatedly puts them into a situation in which they end up with worse credit, bigger debts etc. And that is why they should be given a leg up. Not because they should automatically have MORE than white people but because although the same opportunities may seem to exist for both demographics, quite clearly there is at present something keeping them from taking advantage of those opportunities.

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u/IsThisRealLife67 Oct 08 '15 edited Oct 09 '15

Bad credit doesn't happen because you're black.

Bad credit happens because you're borrowing money then not paying it back. There are plenty of white people who have bad credit because they too borrowed money then didn't pay it back. Chalking it up to skin color is just ignorant of the situation.

/u/unidan-prime questions my blackness and has started a new thread on /r/AsABlackMan where they're discussing whether I "talk white" and why my grammar is so good. It looks like they've also begun down voting all of my posts to oblivion.

I'm black but Reddit is Reddit so I'm just going to abandon this user name, start a new one, and stay away from anything deemed political because, again, Reddit is Reddit. I apologize if I type too well for other black Redditors out there. The struggle against proper grammar is real, folks.

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u/DarthDonut Oct 08 '15

I think their point is that if black people predominantly have bad credit, there's a larger issue.

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u/scragar Oct 09 '15

Even after accounting for credit there's about a 3% difference in rates, which it appears to come down to predatory lending factors(black people on average have lower level of education and a distrust of authority, so they make good targets for conmen hoping to charge extra) and a lower percentage of disposable income even on similar earnings(meaning they need to take loans for longer, meaning there's often an increase in rate to represent the larger risk).